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We Built a Budget Planner Spreadsheet for Canadian Households — Here's What's Inside

  If you've been reading our RRSP/TFSA/FHSA and household budgeting pieces, you already know the line we keep coming back to: a plan is only as good as your ability to actually track it. So we built something to close that gap. Introducing the Canadian Budget Planner It's an editable spreadsheet — not a course, not a subscription, just a tool you can start using today — built specifically around how Canadian households actually budget. What's inside: Monthly Budget tab — Planned vs. Actual across Housing, Transportation, Debt, Food, Personal and more, with totals and your savings rate calculated automatically RRSP, TFSA and FHSA contributions get their own line — treated as a required part of the budget, not whatever's left over at the end of the month Annual Overview tab — a 12-month view with an auto-updating income-vs-expenses chart and a savings-rate chart, so you can see your trend across the year Just fill in the blue cells — every total, difference, and percen...
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Ontario Invests $250M to Expand Fertility Care and Cut IVF Wait Times



The Ontario government has announced a $250 million investment to expand access to in vitro fertilization (IVF) services, aiming to significantly reduce wait times for families seeking fertility treatments.

As part of the initiative, 25 fertility clinics across the province—including six new facilities—will receive the first round of funding under the Ontario Fertility Program (OFP). The expansion is expected to triple the number of families who can benefit from publicly funded fertility supports.

Deputy Premier and Minister of Health Sylvia Jones made the announcement at Toronto’s newly opened Pollin Fertility Clinic, highlighting the government’s commitment to helping more Ontarians start and grow their families. “Our investment in these 25 clinics will help shorten waitlists and ensure more people can access the care they need, closer to home,” Jones said.

The funding will support an additional 5,000 IVF cycles in 2025–26, with further investments planned through 2028. By then, all publicly funded fertility clinics will be required to meet national accreditation standards to ensure consistent quality of care.

This expansion builds on the province’s Your Health: A Plan for Connected and Convenient Care, which seeks to make fertility services more accessible, equitable, and patient-centered across Ontario.


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